Credit
Should I consolidate my debt?
Quick Answer
Consolidate debt if your credit score is 670+ and you can lower your blended APR by 5 points or more without extending the payoff timeline. Skip consolidation if you have not stopped accumulating new debt — it just resets the cycle.
Warren Team
Updated April 26, 2026
36
Warren Team
Updated April 26, 2026
36
Important Disclaimer:
The information provided is for educational purposes only and should not be considered as personalized financial advice. Warren is a registered investment advisor. Past performance does not guarantee future results. Please consult with a qualified financial advisor before making investment decisions.
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